@RobTheHouseGuy1-Actually there is an opt-out mechanism, all text-message campaigns are required by the cellular carriers to provide it, otherwise they're in violation of the carriers' TOSs.Sometimes responding with "STOP" works, at least that's something of a standard in the text message world.

You may be able to buy some kind of service line coverage from your utility company but most likely nothing from an insurance carrier.

The condo association's master insurance carrier is working with the driver's insurance company to put everything back into normal operating condition.  

Your insurance carrier knows it's being used as a rental2.

Jeff, Separate policy, but minimums required on all auto, home, landlord policies, no matter the carrier, to meet requirements for umbrella.

If your tenant sues you for personal injuries due to mold exposure, your insurance carrier probably has a duty to defend you in the lawsuit.

Yes, definitely discuss the specifics with your insurance carrier and lawyer and I would think posted signs of "use at your own risk" are a must. 

Mail carriers also like post cards because they are easy to throw in the fold of the junk mail inserts.

If your not already, I'd get with an independent insurance agent that can shop the market with a variety of carriers to see which one fits you best! 

Flipping houses seems like kind of a dream carrier.